NO
On $25,000/yr, the typical $401,581 home in Durham, NC needs $125,728/yr ($2,934/mo). Your gap: $-100,728 — housing would be 140.8% of your gross income.
The math
401,581 price − 10% down (40,158) = 361,423 loan
30-yr fixed at 7.18% on 361,423 = 2,448/mo principal+interest
+ 485/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,934/mo PITI ÷ 0.28 = 10,477/mo → 125,728/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Durham, NC?
You need about $125,728/yr for the typical home. That's $100,728 more than $25,000.